16-НОЯ-2018 Разъяснение Департамента Иммиграции Overseas Student Health Cover (OSHC)

Reality Maker PTY. LTD. ATF RM

Welcome to our website. This website with URL https://reality-maker.com, https://reality-maker.com.au, https://reality-maker.com is owned and operated by Reality Maker PTY. LTD. ATF RM. (33575225540). Should you continue to use this website, you are agreeing to comply with and be bound by the following terms and conditions of use, which together with our privacy policy govern Reality-Maker Pty Ltd ATF RM’s relationship with you in connection with this website. Should you not agree with any of these terms and conditions, please do not use our website.

The term ‘Reality-Maker’ or ‘us’ or ‘our’ or ‘we’ refers to Reality-Maker Pty Ltd ATF RM, the owner of the website, whose registered office is 33575225540, Australia state of Queensland. The term ‘you’ or ‘your’ refers to the website user.

Your use of this website is subject to the following terms and conditions:

1. All content on this website is protected under the Australian Copyright Act 1968 (Cth) and also in accordance with international copyright laws and treaties. The photographer/author hence asserts all rights pertaining to all images and text on this website.
   Images are marked with a visible watermark/copyright symbol and/or an invisible electronic watermark to enable tracking.

2. As a visitor to the website, you are very welcome to bookmark any part of the website for ease of access and offline reading.
   Other than bookmarking the website or a part of it, you may not store, in a retrieval system (other than an internet browser), copy or reproduce, publish either in hard copy or electronic form (including on your own or another internet website), or transmit in any form or by any means, (electronic, mechanical, photocopying, recording or otherwise), any image or text on this website, without the prior written permission of the photographer/author, Reality-Maker Pty Ltd.

3. Should you purchase a print or other file, you become the legal owner of that image or file. However, copyright remains, at all times with the photographer/author.
   If you consider it valuable to provide a link to this website, please do so and inform us so we can set up a reciprocal link to your website.

4. The content of this website is for your general information and use only. It is subject to change without prior notice. Australian Immigration law is complex and is subject to constant regulatory and policy change. The information provided here may, therefore, be out-dated and no longer accurate. It is not tailored for your specific circumstances or immigration purposes. In order to ensure your eligibility is accurately assessed and to allow for tactical decision making that would best suit your desired immigration outcome, it is essential that you enquire to schedule a consultation.

5. Neither we nor any third parties provide any warranty or guarantee as to the performance, accuracy, timeliness, completeness or suitability of the information and materials found or offered on this website for any particular purpose. You hereby acknowledge that such information and materials may contain mistakes, inaccuracies, or errors and we expressly exclude any liability for such to the fullest extent permissible by law.

6. Your use of any information or materials on this website is entirely at your own risk, for which we shall not be liable. It shall be your own responsibility to ensure that any products, services, or information available through this website meet your specific requirements.

7. Viewing of the content does not create, and receipt of it does not constitute, an agent-client relationship between Reality-Maker Pty Ltd ATF RM Trust and the reader. No person should rely or act upon information or materials available from this site without professional advice.

8. Links have been provided to publicly available sites solely as a convenience. Certain links, including hypertext links, in our site, will take you outside our site to sites owned and operated by third parties. Links are provided for your convenience and inclusion of any link does not imply an endorsement or our approval of the linked site, its operator or its content.
   We do not have any control over the material appearing in any link and are not responsible for its contents or accuracy. Reality-Maker Pty Ltd ATF RM Trust makes every effort to ensure that the information on this website is accurate and up-to-date. However, we cannot accept responsibility for any loss or inconvenience caused by reliance on inaccurate material contained in this site. Links to Other Sites

9. This website uses cookies to monitor browsing preferences. If you allow cookies to be used, the following personal information may be stored by us for use by third parties: names, addresses, email addresses, phone, educational and employment backgrounds, family composition, and other relevant matters to assess your suitability for a visa, immigration, and citizenship matters.

10. This website contains material which is owned by or licensed to us. This material includes, but is not limited to, the content, design, layout, appearance, look, and graphics of the website. Any reproduction of the website’s material is prohibited other than in accordance with the copyright notice, which forms part of these terms and conditions.

11. All trademarks reproduced in this website, which are not the property of, or licensed to us, are acknowledged on the website.

12. Unauthorized use of this website may be a criminal offense and/or give rise to a claim for damages.

13. This website may also, on occasion, include links to other websites that are not controlled by us. These links are provided for your convenience to provide you with further information. You acknowledge that they are used at your own risk. They do not signify that we recommend or endorse the websites. We have no control over the nature, content, and availability of those websites.

14. Your use of this website and any dispute arising out of your use of it is subject to the laws of Victoria.

15. You may only use the website for lawful purposes and in a manner consistent with the nature and purpose of the website.

16. These terms and conditions do not relate to your use of any product or service described on our website unless otherwise agreed upon. You must refer to the individual warranty relevant to any particular product or service.

17. These terms and conditions may be amended from time to time. Your continued use of our website following any such amendments will be deemed to be confirmation that you accept those amendments.

18. You indemnify us from and against all claims, suits, demands, actions, liabilities, costs and expenses (including legal costs and expenses on a full indemnity basis) resulting from your use of the website.

19. In no event will we be liable for any loss, damage, cost, or expense including legal costs and expenses (whether direct or indirect) incurred by you in connection with the use of this website.

20. Every effort is made to keep the website up and running smoothly. However, we take no responsibility for, and will not be liable for, the website being temporarily unavailable due to technical issues beyond our control.

Accessibility

We endeavor at all times to make the site as accessible as reasonably possible to disabled users. In no way do we seek to deliberately discriminate against disabled users access to the website service.

Disputes and jurisdiction

Each provision within the terms and conditions are severable and any provision which is void or could render the terms and conditions void is excluded.

The terms and conditions are governed by the law in force of State Of Queensland and each party agreeing to the terms and conditions submits to this. Also by agreeing to the terms and conditions you waive any claim that such courts are an inconvenience.

On-Line Payment Terms And Conditions

Reality-Maker Pty Ltd ATF RM Trust provides professional Australian Registered Immigration Agent services i.e. professional immigration&citizenship advice and visa&citizenship professional services for persons applying for visas to Australia and the Australian citizenship and advice on general circumstances surround immigration status, including downloadable materials as a variety of assistance.

All advice and services are provided as and by Registered Australian Migration Agent(s) (MARNs) in confidence and in accordance with Section 276 of the Migration Act 1958 (CTH) as an employer(s) of Reality-Maker Pty Ltd ATF RM Trust.

If you are using our online payment system then the currency used is Australian dollars (AUD). Any fees listed on our website are in Australian dollars (AUD). Any other service not listed on the website will be quoted upon request.

If you use our services we will provide you with an Immigration Service Agreement. The “service agreement” is a formal contract between you and Reality-Maker Pty Ltd ATF RM Trust and applies to the use and offering of our professional services to provide immigration, visa, citizenship, and related advice and the performance or execution of written instructions, as accepted by us. You must read, agree with and accept any terms and conditions set out below, and any terms and conditions expressly contained in any written service agreement provided to you and that by continuing to use or access the website or services, you are agreeing to these terms and conditions. If you do not wish to be bound by our terms and conditions please do not use or access our services.

Once you accept our terms and conditions, you will have agreed to appoint us to perform a service, for which a fee may be charged. If you do not understand the fee that you are to be charged, then it is your responsibility to kindly contact us by phone or by emailing us to request a written quotation (Fee Estimate) from a Registered Migration Agent.

You are requested to also read a copy of the Consumer Guide. By accepting to make a payment you acknowledge that you have obtained and reviewed this document.

Payments for our services can be made on-line via eWay (https://www.eway.com.au) through this web site. The payment processing service (“Payment Service”) is provided by a third party (eWay).

These terms and conditions together with the Terms of Use will apply to the Payment Service provided by the third-party provider. Any reference to the phrase “this web site” in these terms and conditions also incorporates by definition the third party’s website.

By using the Payment Service you agree to the terms and conditions.

Fees and Charges

There are no ongoing fees for accessing our online payment service.

Modification or suspension

Without notice or liability to you we may in our sole discretion and at any time:

1. Vary the payment methods accepted by and/or the consultation and/or services that may be paid for through the Payment Service.
2. Cancel or suspend the Payment Service or alter any part of it.

When a payment is made

When making a payment via the Payment Service, your payment will not be deemed to have been made until such time as:

1. You have entered via the Payment Service your reference number, your name, and all other information required by us to obtain payment;
2. We receive all of the information from you; and
3. Your payment has been received in full payment for all applicable amounts due for the service.
   If we receive payment but it is subsequently reversed or dishonored for any reason whatsoever then the payment will be deemed not to have been made to us.

You should check your account records carefully and promptly report to us as soon as you become aware of any payments that you think are errors or that you did not authorize or you think were made by someone else without your permission.

Refunds policy

1. As soon as payment is received, the client is deemed to have engaged our services. Our service is our professional advice and expertise. Once the service has been provided to the client it cannot be returned.
2. There is no refund of any fees paid to us where the client’s visa application has been lodged to the Department of Immigration.
3. Where a client pays us for an assessment service /consultation to review the clients profile or documents for eligibility to apply for a visa or related matters, the assessment /consultation fees are non-refundable once we have started to assess the clients profile or should the client decide for any reason not to proceed.
4. If a client application becomes ineligible due to Australian Government, Immigration law or Immigration Authorities policy changes that have been introduced after the client engages to us and prior to a visa or citizenship application being lodged or relevant skills assessing authorities, there is no refund of our professional fees.
5. If a client wishes to discontinue an application and that application has not been submitted to the Immigration Authorities, there is no refund of our professional fees.
6. Disbursement fees such as Immigration or skills assessing authority application fees can only be refunded to clients where the application has not yet been submitted to the authorities.
7. If a client wishes to withdraw any application after the application has been lodged to authorities there is no refund of our professional fees or authority application fees

Privacy Policy

Reality Maker PTY. LTD. ATF RM (Reality-Maker) is committed to providing quality services to you and this policy outlines our ongoing obligations to you in respect of how we manage your Personal Information.

We have adopted the National Privacy Principles (NPPs) contained in the Privacy Act 1988 (Cth) (the Privacy Act). The NPPs govern the way in which we collect, use, disclose, store, secure, and dispose of your Personal Information.

A copy of the Australian Privacy Principles may be obtained from the website of The Office of the Federal Privacy Commissioner at www.privacy.gov.au.

All personal information collected is kept under strict confidence in accordance with the Migration Agents code of conduct. This Code can be found online.

What is Personal Information and why do we collect it?

Personal Information is information or an opinion that identifies an individual. Examples of Personal Information we collect: names, addresses, email addresses, phone, educational and employment backgrounds, family composition, and other relevant matters to assess your suitability for a visa, immigration, and citizenship matters.

This Personal Information is obtained in many ways including interviews, correspondence, by telephone and facsimile, by email, via our website https://reality-maker.com, https://reality-maker.com.au, https://reality-maker.com, from media and publications, from other publicly available sources, from cookies- and from third parties. We don’t guarantee website links or policies of authorized third parties.

We collect your Personal Information for the primary purpose of providing our services to you, providing information to our clients and marketing. We may also use your Personal Information for secondary purposes closely related to the primary purpose, in circumstances where you would reasonably expect such use or disclosure. You may unsubscribe from our mailing/marketing lists at any time by contacting us in writing.

When we collect Personal Information we will, where appropriate and where possible, explain to you why we are collecting the information and how we plan to use it.

Sensitive Information

Sensitive information is defined in the Privacy Act to include information or opinion about such things as an individual’s racial or ethnic origin, political opinions, membership of a political association, religious or philosophical beliefs, membership of a trade union or other professional body, criminal record or health information.

Sensitive information will be used by us only:

• For the primary purpose for which it was obtained

• For a secondary purpose that is directly related to the primary purpose

• With your consent; or where required or authorized by law.

Your Email Address

We may use your email address to provide your consultation advice.

You need to keep your email address current.

You may update your email address to our email address, quoting your Full Name and Reference Number. If you do not provide us with a correct email address, you may not receive important information regarding your matter. We may use your email as a reference number to protect any information relevant to the service we are providing to you.

Your email address will not be shared with any organization external to us. It is our policy not to sell, trade, or rent your personal information to any third party.

It is our policy to only email marketing material to customers who give us permission to do so. By agreeing to these Terms and Conditions you give us this permission. If we send you an email other than an email containing no more than factual information (for example, an email advising you that these Terms and Conditions have changed), we will give you the option of not receiving further communications of this nature. This will allow you to opt-out of receiving emails containing marketing material at any time you wish.

Your mobile phone number

We may use your Mobile Phone number and any other instant messaging services associated with it to send any information relevant to the service we are providing to you.

We may use your Mobile Phone number and any other instant messaging services associated with it as a reference number to protect any information relevant to the service we are providing to you.

You need to keep your Mobile Phone number current. You may update your Mobile Phone number by contacting us via e-mail

Please contact Reality-Maker Pty Ltd ATF RM Trust if:

• Your mobile phone has been lost or stolen;
• Your mobile phone is not operational;

Any associated with your mobile phone instant messaging services you use to communicate with us is not in use.

We recommend that you nominate a Mobile Phone that is used by you exclusively. If the Mobile Phone is also used by other people, they may receive, or be able to access messages intended for you as part of the services provided by us.

Your Mobile Phone number or any other instant messaging services associated with it will not be shared with any organization external to us. It is our policy not to sell, trade, or rent your personal information to any third party.

Third Parties

Where reasonable and practicable to do so, we will collect your Personal Information only from you. However, in some circumstances, we may be provided with information by third parties. In such a case we will take reasonable steps to ensure that you are made aware of the information provided to us by the third party.

Disclosure of Personal Information

Your Personal Information may be disclosed in a number of circumstances including the following:

• Third parties where you consent to the use or disclosure; and

• Where required or authorized by law.

Security of Personal Information

Your Personal Information is stored in a manner that reasonably protects it from misuse and loss and from unauthorized access, modification, or disclosure.

When your Personal Information is no longer needed for the purpose for which it was obtained, we will take reasonable steps to destroy or permanently de-identify your Personal Information. However, most of the Personal Information is or will be stored in client files which will be kept by us for a minimum of 7 years.

Access to your Personal Information

You may access the Personal Information we hold about you and to update and/or correct it, subject to certain exceptions. If you wish to access your Personal Information, please contact us in writing.

Reality-Maker will not charge any fee for your access request but may charge an administrative fee for providing a copy of your Personal Information.

In order to protect your Personal Information, we may require identification from you before releasing the requested information.

Maintaining the Quality of your Personal Information

It is important to us that your Personal Information is up to date. We will take reasonable steps to make sure that your Personal Information is accurate, complete, and up-to-date. If you find that the information we have is not up to date or is inaccurate, please advise us as soon as practicable so we can update our records and ensure we can continue to provide quality services to you.

Policy Updates

This Policy may change from time to time and is available on our website.

Privacy Policy Complaints and Enquiries

If you have any queries or complaints about our Privacy Policy please contact us at:

PO Box
Send Email

GDPR Compliance – Reality-Maker

This privacy policy will explain how our organization uses the personal data we collect from you when you use our website https://reality-maker.com, https://reality-maker.com.au, https://reality-maker.com

What data do we collect?

Our Company collects the following data:

• Personal identification information (Name, email address, phone number, etc.)

• Educational and employment details. Family composition and visa specific details to assess your eligibility.

How do we collect your data?

You directly provide Our Company with most of the data we collect. We collect data and process data when you:

• Register online or place an order for any of our products or services.

• Voluntarily complete a questionnaire or provide feedback on any of our message boards or via email.

• Use or view our website via your browser’s cookies.

Our Company may also receive your data indirectly from the following sources:

• Collect chat

• Acuity Scheduling

How will we use your data?

Our Company collects your data so that we can:

• Determine your eligibility and assist with your application and manage your account.

• Email you with immigration updates products and services we think you might like.

If you agree, Our Company will share your data with our partner companies so that they may offer you their products and services.

When Our Company processes your order, it may send your data to, and also use the resulting information from, credit reference agencies to prevent fraudulent purchases.

How do we store your data?

Our Company will keep your personal data for 7 years. Once this time period has expired, we will delete your data automatically.

Marketing

Our Company would like to send you information about products and services of ours that we think you might like.

If you have agreed to receive marketing, you may always opt-out at a later date.

You have the right at any time to stop Our Company from contacting you for marketing purposes.

If you no longer wish to be contacted for marketing purposes, please send email.

What are your data protection rights?

Our Company would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

• The right to access– You have the right to request Our Company for copies of your personal data. We may charge you a small fee for this service.
• The right to rectification– You have the right to request that Our Company correct any information you believe is inaccurate. You also have the right to request Our Company to complete the information you believe is incomplete.
• The right to erasure– You have the right to request that Our Company erase your personal data, under certain conditions.
• The right to restrict processing– You have the right to request that Our Company restrict the processing of your personal data, under certain conditions.
• The right to object to processing– You have the right to object to Our Company’s processing of your personal data, under certain conditions.
• The right to data portability– You have the right to request that Our Company transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us at our email.

Cookies

Cookies are text files placed on your computer to collect standard Internet log information and visitor behavior information. When you visit our websites, we may collect information from you automatically through cookies or similar technology

For further information, visit allaboutcookies.org

How do we use cookies?

Our Company uses cookies in a range of ways to improve your experience on our website, including:

• Keeping you signed in

• Understanding how you use our website

What types of cookies do we use?

There are a number of different types of cookies, however, our website uses:

• Functionality – Our Company uses these cookies so that we recognize you on our website and remember your previously selected preferences. These could include what language you prefer and the location you are in. A mix of first-party and third-party cookies are used.

• Advertising – Our Company uses these cookies to collect information about your visit to our website, the content you viewed, the links you followed, and information about your browser, device, and your IP address. Our Company sometimes shares some limited aspects of this data with third parties for advertising purposes.

How to manage cookies

You can set your browser not to accept cookies, and the above website tells you how to remove cookies from your browser. However, in a few cases, some of our website features may not function as a result.

Privacy policies of other websites

Our Company website contains links to other websites. Our privacy policy applies only to our website, so if you click on a link to another website, you should read their privacy policy.

Changes to our privacy policy

Our Company keeps its privacy policy under regular review and places any updates on this web page. This privacy policy was last updated on 29 June 2020.

How to contact us

If you have any questions about Our Company’s privacy policy, the data we hold on you, or you would like to exercise one of your data protection rights, please do not hesitate to contact us:

PO Box

Email us